V2 fixes: full-size wordmark logo in nav/footer, legible legal pages

- Nav and footer now use the logo SVG alone (it already contains the
  HOA LedgerIQ wordmark) at correct aspect ratio, dropping the
  redundant text spans and the 36x36 square sizing that shrank it
- Privacy and Terms pages: replaced V1 dark-theme inline colors
  (white headings, light gray body) with dark ink colors for the
  V2 white background

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

index.html

@@ -96,8 +96,7 @@
   <header class="nav" id="nav">
     <div class="nav-inner">
       <a href="#top" class="nav-logo" aria-label="HOA LedgerIQ home">
-        <img src="logo_house.svg" alt="HOA LedgerIQ" class="logo-img" width="36" height="36" />
-        <span class="nav-brand">HOA LedgerIQ</span>
+        <img src="logo_house_transparent.svg" alt="HOA LedgerIQ" class="logo-img" width="132" height="36" />
       </a>
 
       <nav class="nav-links" id="navLinks" aria-label="Primary">
@@ -421,8 +420,7 @@
   <footer class="footer">
     <div class="container footer-inner">
       <div class="footer-brand">
-        <img src="logo_house.svg" alt="HOA LedgerIQ" class="logo-img" width="32" height="32" />
-        <span class="footer-brand-name">HOA LedgerIQ</span>
+        <img src="logo_house_transparent.svg" alt="HOA LedgerIQ" class="logo-img logo-img--footer" width="117" height="32" />
         <p class="footer-tag">AI-powered HOA finance management.</p>
       </div>
       <div class="footer-cols">